2016 Annual Report

“Highest Customer Satisfaction with Retail Banking in New England, Two Years in a Row”

Your experience matters.

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Dear Corporators, Customers, Employees, and Friends:

This year, we’re talking about what really matters: Your experience.

As we put together this year’s Annual Report, we thought about what made the year challenging, rewarding, and successful. We tallied the numbers of first-time home buyer mortgages, commercial loans, community development projects, grants awarded, and jars of PB&J donated, but we also simply paused to reflect on why we continue to find such overwhelming success. We talked about the stories behind the numbers and the singular moments that impacted each of us, personally and professionally. Those stories revealed a common thread: the little moments create something bigger. Experience… for you, for our employees, and for Maine’s communities. That experience is what matters to us at Bangor Savings Bank.

So, we approached this year’s Annual Report a bit differently. While we’re proud to share the Bank’s notable activities and accolades, what truly matters is our impact on you – and that comes from the inside out. We believe that our exceptional customer experience and strong reputation amongst our peers is a direct result of our employees. They drive our success through their engagement with customers who, in turn, become advocates in the community and help drive our business. This recipe for success is what drives our investment in our employees. They remain our most valuable asset, which is why we made the decision to pay an above-market minimum starting hourly rate of $13 per hour and why we remain committed to their complete well-being. Our employees are the foundation for our success; and in recognition of our efforts to establish and foster an outstanding workplace environment, they once again helped Bangor Savings Bank be named a Best Places to Work in Maine in 2015.

Throughout this report, we tell the stories of employees; who they are as people and how the smallest moments – like coaching a child’s hockey practice or finding a rare antique – add up to something bigger.

Thank you for allowing us to share our experiences with you, and for trusting us with your business.

Sincerely,

Robert S. Montgomery-RicePresident and Chief Executive Officer

Dr. Robert A. Strong, CFAChairman of the Board

Bob Montgomery-RicePresident & CEOBangor Savings BankWork | Life Balance: Mindful

Your moment is our moment.

Buying your first home is a moment you never forget. Your experience getting to that milestone matters. To you. To your family. And to us. As the number one mortgage lender in Maine, we provided $235 million in home loans last year alone. That’s a big number. We are also proud to be the leading lender to first-time home buyers through the Maine State Housing Authority for 8 years running. From our first chat about your home-buying dreams to the moment you close on your loan, our client advisors are responsive and thoughtful about your entire experience. It’s all about the little moments, like keeping in close contact throughout your lending process. And it’s the bigger picture, too, like thinking about the ultimate impact of our process and our mortgage products. Every moment matters.

$235 MillionHome Loans

“Milestones are a big part of my work and my life. As an avid runner and cyclist, I love how each mile adds up to a much bigger experience. Helping families reach their home ownership goals is just as special.”

Alina Churchill-BurkeMortgage Development OfficerBangor Savings BankWork | Life Balance: Fitness

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Our business is your business.

Entrepreneurs know that launching or growing a small business in Maine comes with challenges. And large commercial clients know they need a lender who can be both a visionary and an ally. For the fifth year running, we were named the top Small Business Administration lender in Maine. Last year, we proudly provided $378 million in new loans to Maine businesses.

Our commercial team continues to be at the forefront of making large-scale projects a reality, like the redevelopment of the Pepperell Mill in Biddeford and the expanded operations of Gifford’s Ice Cream. And while we know that our financing capacity and local expertise have a direct impact on your business’ success, our commercial banking products and services matter, too. By supporting more than 3,000 business customers with payroll services and 2,700 with merchant services, what matters are both the day-to-day experiences and the make-or-break decisions. Your business matters.

$378 MillionBusiness Loans

Jarrod GuimondCommercial Banking Senior Portfolio ManagerBangor Savings BankWork | Life Balance: Coaching Hockey

“Most of my clients know that I’m a hockey dad and coach my son’s team. I love teaching the strategy behind the game, and most importantly, how to be good teammates to one another. As a commercial portfolio manager, strategy and teamwork are critical to every deal.”

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Our communities are our spirit.

To us, the growth and success of our communities matter. We believe we have an obligation to actively contribute to the vitality and prosperity of Maine and its communities. Each year, we commit to far exceed the federal requirements of the Community Reinvestment Act. It’s why we financed 16 community development projects, totaling more than $38 million, last year alone. This is bigger than just meeting a requirement. It’s knowing that our outreach, investments, and activities will result in greater things.

We’re proud to have earned our fourth consecutive FDIC CRA rating of “Outstanding” in 2015 and to be a leader in lending, investment, and service. Whether it’s financing an affordable housing project for families and seniors or an economic development project that brings stable jobs to a distressed area of Maine, empowering our community is at the heart of our core values. Our impact matters.

$38 Millionin Financing

for 16 Community

Development Projects

“I’m fortunate that my work allows me to help Maine families and communities. To me, home and family is all about relaxing with a thick book of history with our two Dachshunds, right there beside me.”

John MooreCommunity Development Lending OfficerBangor Savings BankWork | Life Balance: Best Friends

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Our impact is our priority.

Sometimes a small gift, like donating a jar of peanut butter, is actually a very big deal. We’re proud to say that everyone at Bangor Savings Bank believes that giving is a big part of who we are. It’s core to our culture and is a commitment we fully embrace.

Last year, we continued to give in a variety of ways. As one example, our annual Peanut Butter and Jelly Drive collected more than 12,000 jars of PB&J to donate to local food pantries across Maine.

Through our Corporate Giving and Bangor Savings Bank Foundation combined, we gave more than $1.8 million

to community initiatives across the state. Our corporate donations included a $200,000 grant to The Foundation for Maine’s Community Colleges, a statewide organization that works to ensure that Maine’s seven community colleges have the resources they need for access to education and student success. Giving back matters.

Laurie Duncanson Mortgage Operations Manager

Christine Bosse Lewiston Branch Manager

Dyan Macomber Farmington Branch Manager

Stephen Flowers Augusta Senator Way Branch Manager

Chris Lobley Belfast Branch Manager

Lori Weston Consumer Banking Relationship Manager, Houlton

Sheryl Edgecomb Ellsworth Branch Manager

Lori Smart Consumer Banking Relationship Manager, Old Town

Maxwell Bangs 77 and 180 Middle Street Branch Manager

Richard Fournier Commercial Banking Relationship Manager

Theresa Cody Quality Control Manager

Tracy Hawkins Senior Credit & Administration Officer

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“It’s the little things that matter to me, as a Mom – just hearing my son laugh and feeling the joy that comes from our time together. It’s the little things with our customers, too – creating meaningful interactions and making sure they have a great banking experience.”

Your experience is our inspiration.

The experience that we provide to you matters deeply. It’s central to our vision. And that’s powerful. It drives what we do every day, from the investments we make in things like online lending, mobile deposit, and free ATMs worldwide to maintaining a statewide branch network and a live Bangor Support call center in Maine – we do it all to make your experience positive and even memorable! The trust we build, the successes we help create, and the smiles we share are what inspire us. Every phone call, every visit, every interaction with you matters.

And, we are honored that for the second year in a row we were ranked “Highest Customer Satisfaction with Retail Banking in the New England Region” for 2016 by J.D. Power. We remain inspired to show you that your experience matters.

“Highest Customer Satisfaction with Retail Banking in New England Two Years in a Row”

Bangor Savings Bank received the highest numerical score among retail banks in New England in the J.D. Power 2015-2016 Retail Banking Satisfaction Studies. 2016 study based on 76,233 responses from 12 banks, measuring opinions of consumers with their primary banking provider, surveyed April 2015 - February 2016. Your experiences may vary. Visit jdpower.com.

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Sandra KlausmeyerCustomer Experience Program ManagerBangor Savings BankWork | Life Balance: Playtime!

“I love that my job is all about the latest banking technology, and how we help customers be as efficient with their time as possible. Yet I love spending my free time collecting antiques. There’s something magical about holding on to a little piece of a bygone time, while the world around us moves so fast.”

Your independence is our future.

As more customers seek the convenience of a self-service banking experience through mobile tools, we’ve stepped up our technology even more. This year, we worked hard to deliver new mobile and online banking solutions that capitalize on the native capabilities of your mobile devices. While we’re leading the evolution in Maine, as the first local bank to offer all three major mobile wallet solutions – Android, Apple and Samsung Pay – we’re doing it with a focus on your security.

We’ve invested in the most innovative tools that make paying bills, sending money to your kids, or depositing checks even easier and safer, leveraging secure technology like Bangor Mobile App’s Eyeprint ID and Touch ID functionality. Your ease of access to us matters.

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Mikayla SmithProduct Manager of Retail SolutionsBangor Savings BankWork | Life Balance: Antiques

Your tomorrow is our today.

Big picture financial decisions can be the hardest to make. Our Wealth Management Team supports Maine people and institutions who need a knowledgeable partner committed to understanding their financial needs. With over $2.5 billion in trust, fiduciary, and investment assets, no other Maine bank manages more assets than Bangor Savings Bank.

Our Fee-Only Financial Planning is designed to match innovative solutions with client needs to ensure long-term success. We bring a personal approach, flexibility, and expertise to every family, every business. Your tomorrow matters.

$2.5 Billion in Trust,

Fiduciary and Investment

Assets

“As a financial advisor, my focus is on helping clients manage their financial needs today, while planning for their future. Exploring a new trail on my bike with my Lab gives me that balance – that allows me to focus better for what lies ahead.”

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Rob SnowSenior Fiduciary OfficerBangor Savings Bank

Work | Life Balance: Biking

Insurance and investment products are not FDIC insured and are not obligations of or guaranteed by Bangor Savings Bank. Investment products are subject to investment risk, including possible loss of principal.

Our impact is our priority.

We never tire of providing a grant to a community nonprofit. And what makes it truly special is that our customers care as much as we do. This past year, The Bangor Savings Bank Foundation provided 155 grants to community nonprofits throughout Maine. Through one of our signature giving programs, Community Matters More, we share in the joy of giving with Mainers who care enough to cast tens of thousands of votes for their favorite nonprofits.

We once again proudly awarded $100,000 to 68 Maine-based nonprofit organizations as a result of Community Matters More. One of this year’s $5,000 winners was York County Shelter Programs. Thank you to the many Mainers who took a moment to cast a vote and share the experience of making a difference, year after year.

Diane GerryChief Operating OfficerYork County Shelter Programs

Joan SylvesterCommunity Relations Volunteer Coordinator York County Shelter Programs

“The York County Shelter Programs are committed to ending homelessness and helping people reach their fullest potential. The Bangor Savings Bank Foundation’s Community Matters More program invites communities to support nonprofits by voting for their favorite organizations to receive a grant while bringing awareness to their missions.”

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Bangor Savings Bank

Foundation

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For the fiscal year ending March 31, 2016, the Company earned net income of $23.01 million, up $0.64 million, or 2.86%, over the prior year. Due to the strength of our core business, the Company delivered a strong financial performance against the backdrop of regulatory changes and rapidly evolving customer preferences, opening more than 30,000 new core deposit accounts, including over 3,000 new business accounts.

Total loan production during the year was $785.82 million. Over the past five years, the Company originated $3.54 billion in cumulative total loan production despite the economy’s impact on loan demand and on potential borrowers’ credit. Net loans on the balance sheet were $2.28 billion at fiscal year-end, a 7.93% increase. Total residential mortgage loan production was $234.8 million, and commercial and small business loans outstanding increased by $108.11 million, or 10.25%.

The Company’s assets grew to $3.32 billion, an increase of 5.23% compared to one year ago. Customer deposits and repurchase agreements grew by $150.23 million, or 5.96%, totaling $2.67 billion at year-end. Off the balance sheet, assets in the Wealth Management Group grew to $2.5 billion at year-end. Non-interest income for the year was up 9.71%, to $43.48 million, driven by double-digit growth in card services and payroll services, and mortgage services. Notably, at year-end, more than 3,000 business clients

used the Company’s payroll services and 2,700 used merchant card processing services.

The Company continued to focus on maintaining sound credit quality while working proactively with our noncurrent borrowers. Net charge-offs for the year were just 0.05%, and at year-end, nonperforming loans were 0.46% of the loan portfolio. This figure remains notably favorable relative to peer banks: as of March 31, 2016, Maine peer banks had nonperforming loans averaging 0.93% of total loans, and national peer banks averaged nonperforming loans of 1.09%.

Capital levels continued to be strong as total retained earnings, or capital, grew by $20.35 million, or 5.88%, to $366.53 million.

The Company continues to be categorized as well-capitalized by our regulators, and total capital in excess of the level required to be well-capitalized (relative to risk-weighted assets) increased 3.28% during the year to $128.08 million.

With a sound and growing balance sheet, strong loan production, and healthy core business operations and earnings, the Company remains well-positioned for continued investments in customer experience that will drive sustained profitability and growth.

Financial Performance and Growth

$24

$23

$22

$21

$20

$19

$18

$17

$16

2012 2013 2014 2015 2016

Net Income (in millions)

2012 2013 2014 2015 2016

Non-Performing Loans/Total Loans

4.00%

3.50%

3.00%

2.50%

2.00%

1.50%

1.00%

0.50%

0.00%

2012 2013 2014 2015 2016

Total Assets (in millions)

$3,500

$3,000

$2,500

$2,000

$1,500

$1,000

2012 2013 2014 2015 2016

Customer Deposits & Repurchase Agreements (in millions)

$2,800

$2,600

$2,400

$2,200

$2,000

$1,800

$1,600

2012 2013 2014 2015 2016

Total Risk Based Capital inExcess of 10% (in millions)

$140

$120

$100

$80

$60

$40

$20

2012 2013 2014 2015 2016

Non-Performing Loans/Total Loans

16.00%

14.00%

12.00%

10.00%

8.00%

10%=well capitalized

Bangor Bancorp, MHC, Parent of Bangor Savings Bank

Consolidated Summary Balance Sheets (IN THOUSANDS)

Bangor Bancorp, MHC, Parent of Bangor Savings Bank

Consolidated Summary Statements of Income (IN THOUSANDS)

Assets

Cash and due from banksInvestment securities

Net loansOther assetsTotal assets

Liabilities and Retained Earnings

Customer depositsBrokered deposits

Customer repurchase agreementsOther borrowed funds

Other liabilitiesTotal liabilities

Retained earningsAccumulated other comprehensive income

Total retained earningsTotal liabilities and retained earnings

Standby Letters of Credit Outstanding, not included above

Interest and dividend income

Interest expense

Net interest income Provision for loan losses

Net interest income after provision for loan losses

Non-interest income Net gain on sales of investment securities

Non-interest expense

Income before income tax expense Income tax expense

Net income

$41,224800,226

2,114,584199,359

$3,155,393

2,140,16089,330

380,224157,20742,286

2,809,207

339,1637,023

346,186$3,155,393

$7,428

102,760 11,136

91,6243,500

88,124

39,627205

97,135

30,8218,448

22,373

$33,421793,201

2,282,357211,521

$3,320,500

2,258,41984,477

412,199151,820

47,0542,953,969

362,1764,355

366,531$3,320,500

$9,161

$104,52211,223

93,2992,250

91,049

43,4761,386

103,500

32,4119,398

$23,013

2016 2015

2016 2015

Audited Financial Statements Berry Dunn McNeil & Parker, LLC, is the Company’s independent accountant. The summary financial information above is derived from the Company’s audited Consolidated Financial Statements. A copy of the Consolidated Financial Statements can be obtained at www.bangor.com or by request by calling 1.877.Bangor1 (1.877.226.4671).

2012 2013 2014 2015 2016

Total Risk Based Capital inExcess of 10% (in millions)

$140

$120

$100

$80

$60

$40

$20

2120Nonperforming loans reference loans that are 90 days or more past due or are in nonaccrual status. The Maine peer delinquent and nonperforming loan ratios are based on 20 Maine Bankers Association members (excludes banks headquartered outside the state and trust companies). The national peer ratios are based on the Uniform Bank Performance Report peer group, assigned by the Federal Financial Institutions Examination Council (FFIEC) for comparability, which comprises 116 community banks with assets greater than $1 billion.

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Board of DirectorsMembership of Board of Directors is Identical to theTrustees of MHC. Refer to Bangor Bancorp, MHC Trustees on facing page.

Officers

President and Chief Executive OfficerRobert S. Montgomery-Rice

Executive Vice PresidentsJames O. Donnelly John A. EdwardsBruce G. Nickerson, Treasurer Joyce Clark Sarnacki, ClerkSusan B. Snowden

Senior Vice Presidents

Jaime Shapiro Berg Scott S. BlakeRobert A. BurgessKenneth E. ColprittCarol E. ColsonDiane H. DonaldsonJames B. DoughtyWendy L. DurrahAndrew J. GroverTracy L. HawkinsSusan L. HodgkinsDavid A. HoldenPatrick T. KellyScott M. KenneySuzanne T. MoffattYolanda D. MoffattJohn A. MooreChristopher J. NelsonMichael P. O’ReillyBruce C. OckoJane A. ParkerRussell A. PattonGregg M. PiasioGary A. QuintilianiSue A. ReidJames E. RobbinsRonald L. RoopeValerie J. RoyWilliam B. Swales

Board of Trustees

Chairman of the BoardDr. Robert A. Strong, CFAUniversity FoundationProfessor Emeritus of Investment EducationUniversity of Maine

Vice Chairwomanof the BoardGena R. CanningManaging Partner,Pine State TradingCompany

President and ChiefExecutive OfficerRobert S. Montgomery-RiceBangor Savings Bank

Kathryn L. BarberCivic Leader

James J. ConlonPast President & CEO,Bangor Savings Bank

George F. Eaton II, Esq.Associate GeneralCounsel & SeniorGovernance Advisor,Eastern MaineHealthcare Systems

Sari S. GreeneFounder, Sage Data Security

Charles E. Hewett, Ph.D.Executive VicePresident and ChiefOperating Officer,The Jackson Laboratory

Martha G. NewmanDowneast Capital, Inc.

Scott A. OxleyVice Presidentand Chief OperatingOfficer, Acadia Hospital

William D. PuringtonPresident and CEO,Maine Drilling &Blasting

Vincent P. VeroneauPresident and CEO,J.B. Brown & Sons

Vice Presidents

Debra A. AbbondanzaDanielle D. AhernRyan G. AlbertAaron J. BarnesMelinda J. BarnesSven P. BartholomewHoward A. BatesEric G. BelleyChristopher J. BolducKyle B. BolducChristine M. BosseJohn R. CandersJoey D. CannanMichael J. ChamberlainAnita L. ClarkTheresa J. CodyBarbara H. CondaJulie K. CoteRonnie A. CrewsBrita J. CronkiteTimothy J. CropleyCatherine L. CrowellRobert M. CyrRebecca M. Davis-AllenMichele C. Del TergoStacy L. DeMerchantIsla C. DickersonJason G. DonovanTeresa M. DrownTricia M. DuchesneauLisa J. DuguayRyan C. DumondLaurie A. DuncansonSheryl A. EdgecombTerri-Lynn EldenRenee L. FahieJaclyn A. FishEleanor M. FlaggNicole E. FletcherRichard L. Fournier IICatherine A. FratiniGreg S. Gagne James E. GehrkeMolly C. GerencerBrigitte D. GiordanoJames W. GoveJarrod C. GuimondMichael F. HahnTamatha T. Haney

Officers

PresidentRobert S. Montgomery-Rice

TreasurerBruce G. Nickerson

ClerkJoyce Clark Sarnacki

Corporators

Sheila M. AdamsPeter V. AnaniaPeter AnastosDavid AustinConrad L. AyotteKasondra J. BabbPeter K. Baldacci, Esq.Kathryn L. BarberDoris Belisle-BonneauMark A. BisconeJohn A. Bradford, M.D.John W. BraggJoshua BroderKevin R. BunkerBrent BurgerGena R. CanningBenjamin D. CarlisleDr. Robert A. ClarkCatherine H. CloudmanJames R. CochranePatricia K. CochraneStuart M. Cohen, Esq.James J. ConlonSusan CorbettPeter D. CurranCraig W. Curtis, M.D.Douglas D. DavidsonJon F. DawsonJulie Dawson-WilliamsScott DillonBettina DoultonWilliam J. Dunnett, Jr.Jinger DuryeaJonathan D. EamesGeorge F. Eaton II, Esq.Robert Ervin, Ed.D.Rudolf M.C. EyererJohn J. Fahey, Jr.Christopher D. FarleyDouglas A. FarnhamC. Bruce FarnsworthHolly Smith FernaldDavid T. Flanagan, Esq.Judith D. FordBion A. FosterTasha A. Gardner

Nancy Y. HarrisonJanel J. HartinStacey L. HaskellKathleen M. HaydenKaren G. HazeltonAmy M. HebertKendra D. HelsorMary A. HendrickLaura A. HuddyBrian K. JacobsDarlene H. JamesJessica L. JohnstonBlaine L. JonesAmy M. KeatingGeorge L. Kelley IISteven P. KennedySandra M. KlausmeyerAaron P. KouhouptAnnette M. LeasePaul C. LinehanChristopher D. LobleyJonathan W. LongBonita L. MaceKaryn L. MacLeodMelissa E. MarcaurelleGeorge A. MaxsimicShawn R. McKennaEric McLeodBonnie L. MelansonNicole R. MortonJohn C. MuthRobert A. NadeauChristine M. NickersonIrene M. OldfieldTimothy A. ParadisChris PerryStephen C. PlourdeJonathan M. PlummerDiane M. PorterShelly M. PrayMichael E. RandallCatherine A. ReynoldsMichelle L. RitchesonTracy J. RobertsGavin A. RobinsonMary E. Rogan-GordonKate W.B. RushJoshua E. SandersCynthia F. ShoppeDavid J. SmallwoodPenny G. Smart

Brian D. GeaghanHelen L. GencoDonn G. GiffordStephen E. GodsoeJohn P. GordonWayne C. HamiltonElizabeth E. HansenRichard B. Harnum, Jr.Donna L. HathawayCharles E. Hewett, Ph.D.John P.M. HigginsPeter HorchRandall B. HutchinsCharles L. Johnson, IIIDeborah Carey JohnsonThomas C. JohnstonKevin D. KellyJonathan D. KnowlesJud KnoxLaurie G. LachanceJane N. Laeger, M.D.John D. Lafayette IIIMark I. Lausier, D.M.D.Paul R. LePageAnthony Liberatore, D.M.D.A.U. Liberatore, D.M.D.Christopher G. Limberis, Esq.Lilian S. LoDaniel G. McKay, Esq.C. Patrick MichaudRoger P. MichaudJohn B. MillerRobert S. Montgomery-RiceMartha G. NewmanBruce G. NickersonClayton E. NowellScott A. OxleyFrederick H. PalmerSheila J. PechinskiAlan B. PeoplesAnne E. Pooler, Ed.D.William D. PuringtonJohn J. QuirkJohn P. QuirkStephen B. RichDennis C. Sbrega, Esq.Amanda SchumakerLauren B. SchweikertJames D. SetteleJohn I. SimpsonRuthanne S. SingalCarl W. Smith, Jr.Douglas M. Smith, Esq.James F. SmithJudith F. StevensJames C.R. StonetonDr. Robert A. Strong, CFAWilliam B. SwalesNolan H. Tanous, Esq.John C. Thibodeau

D. Robinson Snow Rob SnowBrian A. StanleyCynthia J. StevensWesley M. StevensTeresa A. ThompsonJohn E. TribouTeresa D. TrickeyJune L. UsherMatthew T. WatkinsRose M. WhiteKelly J. Winslow

Assistant VicePresidents

Diana L. Allen Lisa A. BirdSarah L. BowieMichelle R. CardiminoHelen O. CellaRobin L. ChaseAlina E. Churchill-BurkeLillian B. CoteKim L. DaigleLinda M. DauphineeCarol M. DawsonDenise M. DeshaneDenise M. EldridgeElizabeth A. EllisKenneth J. FerlandStephen J. FlowersMark S. FosterJustin N. L. FournierChristopher A. FrohockThomas S. GagnonHeather M. GendronStacey A. GouldJamie M. HainingDebra M. HammMarilyn G. HartfordAmber L. Heffner-CosbyThomas J. HerlihyTheresa E. HigginsAbbee L. HowesDiane C. HunnewellR. Morgan LaidlawGeorge L. LeakosSusan F. LeeAnn J. LindemanMatthew P. Lyons

Ann D. TrainorCalvin E. True, Esq.Nicole TrufantRobert D. UmphreyVincent P. VeroneauDouglas A. VolkDr. Betsy M. WebbDwayne S. WebberCathie A. WhitneyCheryl A. WixsonDarryl A. WoodBeverly N. WoodcockCarol H. WoodcockA. Mark WoodwardLee Woodward, Jr., Esq.Jay J. Ye, M.D., Ph.D.Bob W. Ziegelaar

HonoraryCorporators

Mary G. AdamsDebra B. AdditonDonald A. AmblerRobert E. AndersonWilliam H. Bearsley, Ph.D.Catherine B. BellHoward Berg, D.M.D.Earl C. BlackJohn J. BlassWilma A. BradfordFranklin E. Bragg, M.D.Robert H. BrandowArthur P. BrountasAlan R. CampbellRichard S. CattelleEleanor B. ChasonHarold W. CrockerEdward O. DarlingPeter R. D’ErricoRandolph P. DominicJames F. DoughtyAthena V. DuddyF. Philip DufourNelson E. DurginBryant R. DutchC. Robert EmersonRalph B. Farrar, Jr.Mary Ann Haas, Ph.D.Jane H. HansonLinda F. HarnumElizabeth H. HarveyAudrey J. HigginsRichard A. JonesPerry H. JordanConstance J. KelseyYvon A. LabbéJames W. LoganLeo M. LoiselleJohn M. Lord

Corporate Structure, Governance & Leadership Bangor Savings Bank*Corporate Structure, Governance & Leadership Bangor Bancorp, MHC*

Marlene T. LyfordHilda Hutchins McCollumAlice J. McInnisBetty Lou MitchellGary P. NixonBetty D. OsgoodJohn F. PartridgeWalter J. PeabodyRobert R. PelletierAnne Marie Vickers Quin,Ed.D.Esther N. Rauch, Ph.D.Clifton L. RockwellWilliam T. Rogers, Jr.Lawrence R. SchiroJohn E. ScovillRosalie F. ShaperoHarold R. Sherman, D.V.M.Bourke C. Trask, Jr.Joseph T. Walsh, Esq.Alice N. WellmanRoyce G. WheelerJoni Averill WhiteCecil D. WilsonJudge Allan Woodcock, Jr.Robert C. WoodwardEdward M. Youngblood

HonoraryTrustees

David M. CarlisleG. Clifton EamesJames H. GoffRichard J. McGoldrickGary W. Smith

*As of publication

Rebecca S. MacDonaldMichele R.S. MannKimberly A. MelvinJoan A. MonteithKathleen M. NelliganAngela R. NelsonStephanie L. PaulDoreen M. PeaseCarole S. PottsAlta M. PriestDonna L. RankinDanielle G. RaymondSean A. ReardonTodd A. ReedJillian M. RichRenee L. RocheJoy E. RoyEric B. RutherfordJill M. SchlickLisa C. SeeleyEric H. ShoneJason D. SimsayLori A. SinclairLori A. SmartKim L. SmithLouise M. SmithMandie L. SmithMikayla E. SmithBarbara H. SouleKendra J. SpeedDonna M. TempleHeidi G. ThibeaultJohn R. ThompsonMary-Ellen ThompsonCrystal N. WardCarrie W. WelchHeather Weymouth-PomerleauScott A. WhipkeyJimel D. WhitcombBarbara J. WhitneyJason R. WilkesSusan C. WixomCory D. Worcester

*As of publication

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Augusta77 Capitol Street207.622.4321

5 Senator Way207.620.9300

Bangor3 State Street207.942.5211

652 Broadway207.942.4874

871 Hammond Street207.990.5716

687 Hogan Road207.942.4818

Belfast7 Belmont Avenue207.338.4270

106 Main Street207.930.7014

Biddeford163 Main Street207.282.4121

5 Washington Street207.282.4121

Brewer425 Wilson Street207.989.1944

Brunswick45 Maine StreetOpening July 2016

Bucksport89 Main Street207.469.5992

Calais232 North Street207.454.0223

Camden/Rockport5 Commercial StreetRockport207.236.0180

Castine213 Battle Avenue207.326.0654

Cornish180 Maple Street207.625.0950

Dexter22 Main Street207.924.3134

Dixfield28 Main Street207.562.4661

Dover-Foxcroft160 East Main Street207.564.3311

Eastport54 Washington Street207.853.2534

Ellsworth59 Foster Street207.667.4626

Falmouth215 US Route 1207.541.2750

Farmington177 Main Street207.779.1899

Greenville31 Lily Bay Road207.695.3713

Hampden19 Main Road North207.862.5112

Houlton38 Court Street207.532.4001

Jonesport175 Main Street207.497.2320

Lewiston882 Lisbon Street207.782.2133

Lincoln4 Prospect Avenue207.794.6765

Machias1 Center Street207.255.4522

Madison56 Main Street207.696.1002

Millinocket96 Central Street207.723.4788

Monmouth787 Main Street207.933.5794

Ogunquit196 Main Street207.420.3965

Old Town564 Stillwater Avenue207.827.9244

Orono110 Park Street207.866.5596

Pittsfield108 Somerset Plaza207.487.4395

Portland1048 Brighton Avenue207.871.8368

280 Fore Street207.774.6145

20 Marginal Way 207.541.2740

77 Middle Street 207.879.2652

180 Middle Street207.541.2730

320 Allen Avenue/ Northgate207.797.9864

Rockland73 Camden Street207.593.0308

Rumford118 Congress Street207.364.8122

Saco270 Main Street207.282.9210

Scarborough241 US Route 1207.883.8404

Searsport17 Main Street207.548.6065

Skowhegan113 Madison Avenue207.474.8116

South Portland180 Waterman Drive207.767.0814

UnityBangor Road207.948.5120

Waterville366 Main Street207.861.8931

Winslow78 China Road207.872.8011

*Insurance and investment products are not FDIC insured and are not obligations of or guaranteed by Bangor Savings Bank. Investment products are subject to investment risk, including possible loss of principal.

EQUAL OPPORTUNITY: Bangor Savings Bank provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability, or status as a Vietnam-era or special disabled veteran in accordance with applicable federal laws. Member Federal Home Loan Bank System Equal Housing Lender.

Member FDIC

Bangor Bancorp, MHCparent of

Business Locations

York460 US Route 1207.363.0731

Bangor SupportBangorSupport@bangor.com1.877.Bangor1(1.877.226.4671)

Available at allbusiness locations

Wealth Management Services*207.262.4992

Bangor Insurance Services*207.942.5211

Bangor Payroll207.942.3300

Bangor Merchant CardServices207.942.5211

Corporate Office &The Bangor SavingsBank Foundation

99 Franklin StreetBangor207.942.5211

Bangor.com

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